SUSAN HERBERT

**** ***** *****, *********, ***** 76063 817-***-****

abkymz@r.postjobfree.com

EDUCATION

Apr. 1993- Dec 1994 Northlake College

Irving, Texas

Graduate of Mortgage Banking Program, 4.0 GPA, certificate

received.

Academic Awards: Phi Theta Kappa National Honor Society,

The National Dean's List, Who's Who Among Students.

LICENSES

General Lines Agent # 1422913 Texas Department of Insurance

Loan Officer # 79540 Texas Department of Savings &

Mortgage Lending

EMPLOYMENT

Sept. 2008 - Present MDVIP, Inc.

Boca Raton, FL

(Temporary Contract Position - Job ends Jan. 2010)

Patient Advocate

. Converted 30% of patient load to MDVIP program in a 10 week period

exceeding national average of 20% conversion.

. Consult with patients to explain MDVIP's personalized, preventive

healthcare model.

. Assist patients through their decision making process.

. Enroll patients in the program, completing all necessary paperwork and

collecting payment.

. Consult the physician through the transition, providing updates of all

sales activity and training on proper procedures.

. Serve as liaison between corporate office and physician's office to

ensure resolution of issues during launch.

. Motivate physician and staff to promote enthusiasm and positive

attitude throughout launch.

. Provide corporate office and Regional Account Manager with detailed

accounting of all daily activities.

Jan. 2007 - Oct. 2007 Wachovia Home Loans

Fort Worth, TX

(Branch closed due to company down-sizing)

Branch Manager

. Built origination branch from 0 Loan Officers to 5 Loan Officers with

funding volume of $2M/month.

. Managed workflow and production for staff of 7.

. Responsible for hiring, training and mentoring all staff.

. Assisted sales staff with presentations and sales activities.

. Coordinated with operations staff, vendors and lenders to ensure

timely closing of loans.

. Managed branch pipeline and monthly projections.

. Effectively resolved all conflicts and disputes with superior customer

service.

. Motivated staff to increase production and promote team environment.

Mar. 2005 - Dec. 2006 Countrywide, America's Wholesale Lender

Addison, TX

(Recruited to Wachovia for promotional position)

Account Executive - Outside Business to Business

. Built assigned territory from $0/month to an average of $7M/month

funded volume.

. Consistently performed in the Top 5% nationwide for government loan

production

. Highest loan amount closed in One Time Close product in DFW area at

$3.8 million.

. Responsible for establishing and building relationships with mortgage

brokers.

. Promoted company products and initiatives with effective sales calls,

presentations and superior customer service.

. Proactively managed pipeline and volume participation.

. Provided training on products, guidelines, quality packaging and use

of the CWBC website.

. Consulted mortgage brokers on selection of product based on review of

borrower's credit and financials.

. Promoted and supported interaction between the broker and operations

staff.

. Effectively communicated all changes and updates regarding products

and procedures.

June 2002 - Aug. 2004 Washington Mutual

Irving, TX.

(Branch closed due to company down-sizing)

Account Manager - Outside Business to Business

. Built assigned territory from $4M/month to an average of $10M/month

funded volume.

. Established and maintained a 78% application to funding ratio.

. Achieved 1000 units closed in 2003 to qualify for company paid sales

assistant.

. Won Tier 1 Awards for National Sales Campaign in Spring 2004, Fall

2003 and Spring 2003

. Won Tier 2 Award for National Sales Campaign in Fall 2002

. Responsible for establishing and building relationships with mortgage

brokers.

. Promoted company products and initiatives with effective sales calls,

presentations and superior customer service.

. Proactively managed pipeline and volume participation.

. Provided training on products, guidelines, quality packaging and use

of the Premiere Broker website.

. Consulted mortgage brokers on selection of product based on review of

borrower's credit and financials.

. Promoted and supported interaction between the broker and operations

staff.

. Effectively communicated all changes and updates regarding products

and procedures.

May 2001-June 2002 North American Mortgage

Irving, TX.

(Purchased by Washington Mutual - see above)

Assistant Operations Manager

. Successfully managed a multi-state regional Operations Center with a

staff of 90+

. Assisted Production Manager and Operations Manager in all aspects of

the loan set-up, underwriting, closing and funding functions.

. Maintained the Quality Assurance goals for the center.

. Consulted the underwriting staff with challenging loans to make

consistent and supported loan decisions.

. Provided 2nd level review for all non-approved loans.

. Managed the workflow of the underwriting staff including distribution

of files and facilitating all exceptions and rush files through the

system.

. Managed the workflow of the Customer Service Representatives to

improve service levels.

. Satisfied escalated conflicts and disputes with superior customer

service.

May 2000-May 2001 MGIC - Mortgage Guaranty Insurance Corp

Dallas, TX

(Temporary Contract Position)

Underwriter

. Provided consistent and supported loan decisions which earned a

promotional offer to a permanent position with North American

Mortgage. See above.

. Reviewed conventional mortgage loans for eligibility and compliance

with investor guidelines.

. Determined stipulations on loan files and communicated with broker to

resolve the stipulations.

. Verified all documentation with regards to: income, credit, assets,

appraisal and title.

. Analyzed challenging loans to determine alternative solutions.

. Processed exception requests as needed.

. Examined transactions to ensure accuracy and completeness.

Aug. 1998- May 2000 UG - United Guaranty

Dallas, TX

(Temporary Contract Position)

Underwriter

. Spearheaded the implementation of automated underwriting for a major

wholesale lender in Denver, CO.

. Returned to Dallas to underwrite loans nationally for a major retail

lender.

. Reviewed conventional mortgage loans for eligibility and compliance

with investor guidelines.

. Determined stipulations on loan files and communicated with broker to

resolve the stipulations.

. Verified all documentation with regards to: income, credit, assets,

appraisal and title.

. Analyzed challenging loans to determine alternative solutions.

. Processed exception requests as needed.

. Examined transactions to ensure accuracy and completeness.

.

July 1993- Aug. 1998 American Western Mortgage

Dallas, TX

Originator/Senior Loan Processor

. Promoted from Loan Processor to Loan Originator in 1997.

. Originated all mortgage loans for Henry S. Miller executives.

. Responsible for the pre-underwriting of conventional and government

mortgage loans.

. Trained new originators and processors on job responsibilities and

company procedures.

. Collected all loan documentation with regards to: income, credit,

assets, appraisal, title and survey.

. Prepared all necessary paperwork to complete loan submission to

investor.

. Coordinated closing with all parties including borrower, seller, real

estate agents, builder representatives and title companies.

. Cross-trained in closing, including the preparation of loan documents,

reviewing HUD1 statements, and funding the loan with the title

company.

Contact this candidate